Individuals purchasing dental insurance often assume that benefits will start very soon after enrolling in the plan. However, dental plans often apply a waiting period before certain services are covered. Waiting periods range from 6 to 12 months. Fortunately, it is possible to find dental insurance with no waiting period*.
Services that often require a 6 month waiting are:
- Space maintainers for young children
- Intraoral films, extraoral films, and panoramic films
- Fixed partial denture sectioning
- Occlusion adjustment (bite adjustment)
Services that frequently impose a 12 month waiting period are:
- Inlays and onlays (fillings that are fitted to the shape of a cavity and cemented into place)
- Crowns, cast posts, and core buildups
- Adjustment and repair of dentures
- Root canals
- Oral surgery (tooth extraction, removal of impacted teeth, cyst removal)
If you are in need of one of the above services before its applicable waiting period has passed, you will be responsible for 100% of the bill.
Dental Insurance With No Waiting Period Provides Quick Coverage
If you purchase dental insurance with no waiting periods, you can be covered for a wide array of services very soon after your plan activates. This can save you a significant amount of money when obtaining advanced dental services. You can find swift relief from discomfort or pain that may accompany cavities, ill-fitting dentures, or a failing crown. Dental insurance with no waiting period gives you the freedom to receive the dental treatments you need whenever you like.
HealthMarkets Can Help You Navigate Dental Insurance Plans
For help with distinguishing between various dental plans, call HealthMarkets Insurance Agency to speak to one of our 3,000+ agents. They are trained in matching an individual or family to a plan suited for their dental health needs and for their budget. Find a local insurance agent, or speak to one of our representatives anytime at (800) 360-1402.
Exact services may differ depending on the policy. Products with no waiting period may not be offered in every state or zip code.